This is the Ramsey Call of the Day, part of the Ramsey Network.

Joining me today is Ramsey personality, Ken Coleman.

Hannah is with us in Detroit.

Hey, Hannah, what's up?

Hi, Dave, how are you?

I can't believe I got on the air.

I'm so excited.

Well, we're honored to have you. How can we help?

Hopefully I can articulate my thoughts well.

But, um, so my situation, um, is that my husband and I are expecting our first baby

in about four weeks. We, I'm the one that really runs the finances. He's the one who makes the majority of

our income. I work really hard every year to try to keep us out of debt, but once the holidays

roll around, I feel like we're always starting our year with some consumer debt. And so through

this year, I've been setting some money aside out of his paycheck every

month to hopefully pat our savings for when the baby's coming and kind of pay for like baby

stuff throughout the year, as well as trying to tackle our credit card debt and really kind of

like super fund our savings account. Well, now I'm at a place where I'm just feeling really stressed out about how to tackle baby step number two.

If I should pause that step, you know, since we have our baby and just stock file cash,

I'm just feeling a little bit confused on what the next step is.

Is this your first baby?

Yes.

How old are you?

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